Target corpus planning
How Much SIP for ₹1.00 crore in 20 Years?
You need a monthly SIP of about ₹10,009 to build ₹1.00 crore in 20 years at a 12% annual return. Across the full 20 years you would contribute ₹24.02 lakh of your own money, and compounding supplies the remaining ₹75.98 lakh.
Monthly SIP required at 12%
₹10,009
to reach ₹1.00 crore in 20 years
If returns are 10%
₹13,060/mo
If returns are 15%
₹6,597/mo
Total you contribute
₹24.02 lakh
Compounding supplies
₹75.98 lakh
One-time lumpsum instead
₹10.37 lakh
₹1.00 crore in today money
₹31.18 lakh
Want to change the numbers?
Open the Goal SIP planner and run your own amount, rate and tenure.
Monthly SIP needed for ₹1.00 crore at different return rates
| Annual return | Monthly SIP | Total contributed | Growth component |
|---|---|---|---|
| 8% | ₹16,865 | ₹40,47,578 | ₹59,52,422 |
| 10% | ₹13,060 | ₹31,34,399 | ₹68,65,601 |
| 12% | ₹10,009 | ₹24,02,047 | ₹75,97,953 |
| 14% | ₹7,597 | ₹18,23,228 | ₹81,76,772 |
| 15% | ₹6,597 | ₹15,83,160 | ₹84,16,840 |
How the required SIP changes with your time horizon
| Horizon | Monthly SIP at 12% | Total contributed |
|---|---|---|
| 5 years | ₹1,21,232 | ₹72,73,929 |
| 10 years | ₹43,041 | ₹51,64,865 |
| 15 years | ₹19,819 | ₹35,67,352 |
| 20 years | ₹10,009 | ₹24,02,047 |
| 25 years | ₹5,270 | ₹15,80,915 |
| 30 years | ₹2,833 | ₹10,19,855 |
Time matters far more than the amount
Look at the horizon table above. Stretching the same ₹1.00 crore goal from 20 years to 25 years cuts the monthly requirement from ₹10,009 to ₹5,270 — a 47.3% drop for five extra years of patience.
This is why starting at 25 instead of 35 is worth more than any fund selection decision you will ever make. The compounding curve is steepest at the end, and only time gets you there.
A step-up SIP makes this much easier to start
₹10,009 a month may be out of reach today. With a 10% annual step-up you can begin at about ₹6,205 and still land on ₹1.00 crore, because each year's increase does the heavy lifting later when your salary is higher.
Set the step-up once with your fund house and it runs automatically — no annual decision required.
What ₹1.00 crore will actually buy in 2046
At 6% inflation, ₹1.00 crore in 20 years has the purchasing power of about ₹31.18 lakh today. If your real goal is "₹1.00 crore of today's money", the target you should actually aim for is closer to ₹3.21 crore, which needs roughly ₹32,099 a month.
Frequently Asked Questions
How much SIP is needed for ₹1.00 crore in 20 years?
About ₹10,009 per month at a 12% annual return. At 10% you would need ₹13,060 and at 15% only ₹6,597, which shows how sensitive the answer is to the return assumption.
Can I reach ₹1.00 crore with a one-time investment instead?
Yes. A lumpsum of about ₹10.37 lakh invested today at 12% would also reach ₹1.00 crore in 20 years. Lumpsum beats SIP when you already have the money and the market is not stretched; SIP wins when you are investing out of monthly salary.
Is 12% a safe assumption for 20 years?
It is the standard planning assumption for diversified equity funds, roughly in line with long-term Indian index returns. It is not a guarantee. Run the 10% row too and make sure the shortfall would not break your plan.
What if I can only invest half of ₹10,009?
Half the SIP gets you half the corpus — about ₹50.00 lakh. Your levers are a longer horizon, an annual step-up, or a smaller target. Extending by five years alone drops the requirement to ₹5,270.
Which funds suit a 20-year goal?
For a horizon this long, diversified equity — index funds, flexi-cap or large-cap — is the usual choice, because there is time to ride out drawdowns. This is general information, not a recommendation for your situation.
Related calculations
SIP for ₹25.00 lakh in 5 years
Monthly SIP required at 12%: ₹30,308
SIP for ₹25.00 lakh in 10 years
Monthly SIP required at 12%: ₹10,760
SIP for ₹25.00 lakh in 15 years
Monthly SIP required at 12%: ₹4,955
SIP for ₹25.00 lakh in 20 years
Monthly SIP required at 12%: ₹2,502
SIP for ₹25.00 lakh in 25 years
Monthly SIP required at 12%: ₹1,317
SIP for ₹50.00 lakh in 5 years
Monthly SIP required at 12%: ₹60,616
Full interactive calculators
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Figures are mathematical projections based on the stated assumptions. Market-linked returns are not guaranteed. This is educational information, not investment advice.